Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 6th July 2006 13:41 #1
    pinkmama pinkmama is offline
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    Default Smile? Petulant overdraft withdrawal

    Hi everyone. Just joined this site after a period of unhappiness with Smile. When we first joined them I couldnt beleive how great they were. Recommended them to everyone I knew. Then I got post natal depression and couldnt work. My partner was main breadwinner so wasnt end of world but made things tight. Started going tiny amounts over od limit and then the snowballing of charges started. Despite several phone callsicon explaining situation they constantly refused to show a human element to us. Last month I complained about the charges of the account. They paid some of them back. Then today I get a secure message informing me that after reviewing account they are withdrawing our overdrafticon facility. Its not even half of our monthly income. I was considering starting the process of reclaiming all of the charges after reading some of this site. Now however I am scared by their petulance. I cannot believe that the withdrawal of the facility is not directly related to me complaining. Can anyone bolster my confidence?

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  2. 6th July 2006 14:58 #2
    theshow theshow is offline
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    Default Re: Smile? Petulant overdraft withdrawal

    Don't worry about Smile withdrawing your overdrafticon facility, they will try and make things awkward for 'customers' who complain. My advice to you would be, write a letter of complaint to their complaints department asking them to detail EXACTLY why they withdrew your overdraft facility. Then start the ball rolling by requesting a DPA print-out from them, once you have that follow the guidelines in the FAQs and claim every penny of YOURS that Smile have taken from you in illegal charges, be positive!

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  3. 7th July 2006 13:37 #3
    caro caro is offline
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    Default Re: Smile? Petulant overdraft withdrawal

    Hi Pinkmama. Smile have actually been about the most reasonable bank over claiming back charges. The few accounts where they have taken action seem to have been over other issues, but I have not seen one case of retaliatory action because of claiming back charges. I am sure the withdrawal of your overdrafticon won't be because you complained.

    You can prevent action on your account by placing it in dispute. They cannot take further action on your account until the dispute is resolved, but I don't know if it is too late to prevent the overdraft being withdrawn. Just reply to their email (keeping a copy) saying that you understand that the charges on your account are unlawful and you are placing it in dispute, and as theshow says, ask exactly why your overdraft is being removed, if they have not explained it clearly. Then follow the normal process to reclaim your charges.

    Fed up with bank charges?
    Email your MP TODAY!!!

    Sign the Petition

    When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.

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    The Consumer Action Group is a free help site.
    Should you be offered help that requires payment please report it to site team.

    Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
    Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
    Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

    Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
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  4. 18th September 2008 16:56 #4
    fleeced_by_rbos fleeced_by_rbos is offline
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    Default Re: Smile? Petulant overdraft withdrawal

    Hi Pinkmama, how did you get on after?

    I replied to another thread with a similar theme.....
    http://www.consumeractiongroup.co.uk...ml#post1719606

    Hope it worked out for you.

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE